Local terms for this counter
casa de câmbio · loja de conveniência · agente de pagamentos
Portugal sits at the centre of the Lusophone world's money flows — Brazil, Angola, Cape Verde, Guinea-Bissau, Mozambique — and has absorbed large recent migrations from Brazil and South Asia, all served by exchange houses, payment agents and convenience counters.
$500.00
Counter order · Portugal
Portugal's remittance and exchange business runs along Lusophone corridors that reach across three continents, and the country has recently absorbed substantial Brazilian, Nepali and South Asian populations with immediate cross-border money needs.
The country also has a well-developed retail payment agent network, meaning ordinary shops are already accustomed to handling transactions on behalf of licensed institutions.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is.
The local picture
The format has a different name in every market and does the same job in all of them. This is the version that applies here.
casa de câmbio · loja de conveniência · agente de pagamentos
Currency exchange houses, payment agent networks, convenience stores, money transfer counters, phone shops.
Brazil, Angola, Cape Verde, Guinea-Bissau, Mozambique, Ukraine, Nepal — where the money moves, and why stablecoins matter at this counter.
Portuguese, English. Serving a customer in their own language is the single biggest advantage a counter has over an app.
The arithmetic
Crypto is priced as a percentage of the order, so the revenue scales with the ticket rather than with the number of items you sold. These are worked examples at an illustrative 1% to 3% revenue share — check your agent agreement for your own rate.
| At the counter | Order size | Store keeps (low) | Store keeps (high) |
|---|---|---|---|
| A customer cashes a check and puts part of it into Bitcoin | $200 | $2.00 | $6.00 |
| A regular buys USDT to send to family overseas | $500 | $5.00 | $15.00 |
| A customer sells crypto and takes the cash | $1,000 | $10.00 | $30.00 |
| A small business owner buys on payday, every other week | $2,500 | $25.00 | $75.00 |
| One larger order, the kind an ATM's daily cap refuses | $10,000 | $100.00 | $300.00 |
The figures above are worked examples, not projected or guaranteed earnings. They show how the arithmetic works on a given order size at an illustrative revenue-share range. Your actual rate is set in your agent agreement, and what any individual store earns depends on its foot traffic, its neighbourhood, its hours and how many customers it serves. Anytime Capital does not promise any level of income.
Typical time to serve a customer
Equipment to buy or lease
Assets your customers can buy
US-based support for your staff
The Angola, Mozambique, Cape Verde and Guinea-Bissau corridors are small in absolute terms compared with the giants, but they are poorly served by conventional rails and expensive to use, which is exactly where stablecoins have gained ground elsewhere.
The Brazil corridor is larger and increasingly two-way, with substantial Brazilian populations in Lisbon and Porto.
Portuguese retail also has a strong culture of shop-based payment agency, which makes the counter model familiar to operators.
Portugal registers virtual asset service providers with the Bank of Portugal and the EU markets-in-crypto-assets framework applies. Availability depends on that licensing.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is.
Anytime Capital is a registered US money services business and operates its own branches in Atlanta and Miami. The retail program extends that same platform to partner counters — which is why availability follows licensing rather than ambition, and why the first conversation about any international market is a straight one.
An employee signs in to the retail platform in a browser, runs a one-to-two minute identity verification for a first-time customer, places the order at a live price and takes the payment at the counter. Returning customers skip the verification entirely.
The store never holds cryptocurrency, never controls a private key and never funds a float. There is no equipment to buy, lease or install.
The customer receives the asset to a wallet they control, with the delivery recorded on a public blockchain — which is a stronger receipt than most counter products anywhere in the world can offer.
Related
The rest of the programme, and the region this market sits in.
Brazil is the largest and most two-way. The African Lusophone corridors — Angola, Cape Verde, Mozambique, Guinea-Bissau — are smaller but poorly served and expensive, which is where stablecoins tend to gain ground.
Yes. Portuguese shops are already accustomed to handling transactions on behalf of licensed institutions, which makes the counter model operationally familiar.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is. We will tell you plainly what is and is not possible where you are rather than taking you through an onboarding that cannot finish.
In the United States, a store acting as a serving location does not need its own money services business registration — Anytime Capital holds it. Outside the United States the answer depends entirely on the local regime, which is why availability is assessed market by market.
An employee signs in, verifies the customer once, places the order and takes the payment at the counter. There is no machine to install, no crypto for the store to hold and no float to fund.
Elsewhere in the programme
The same programme, answered for a different question, store format or market.
Tell us where your counter is and what your customers are asking for. We will be straight with you about what is possible in your market today.